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Collector's Secret Part I

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File a case?

They won't ;
They don't ;
They can't!

p.s.

there are some comments here that are obviously from collectors.
they never fool me.
welcome po kayo dito.
wag lang mang-gulo ha?
behave.
lol! 


The Mistress And The Wife

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Isang mistress pinuntahan ni Wife.
nag-eskandalo sa office.
sino ang puede  ikulong?
 
If you know the answer,
then, why be afraid with collector's visits!


2015 Year-end EB

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                                                                   A Leap of Faith



I was reading a lot of newbie concerns/fears in this blog and the Forum  that I  honesty like to meet them.
the problem is there is no Promo fare/room sale.


The air fare is P 4,752.72 excluding terminal fees and all expenses/venue

If only everybody can just advance the P500.00/pax EB fee ( which we normally do but never did),
we can do it. 

0927 86 87 0 88

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Today, Sunday (10/11/15) a  newbie last Mid-year EB called to inform me that she will attend again for the sake of the newbies.

Nothing extra-ordinary about this woman  except that  she  attended the executive session na nanginginig pa.
She came all the way from Ilocos (!) at pamasahe lang po ang dala-dala niya at immediately left kasi wala siyang pang-hotel at natulog na lang sa bus.

she is now a mover.
amazing woman. 

Basic Collection Techniques

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Lecture for Collectors:

Control the conversation - say what you want forcefully.
a. how : look and sound "galit". defaulters will be like sheeps willing to accommodate you.
b. why : they are afraid that you are going to file a case which they don't want.
c. result : expect your commissions!

Eto naman diskarte mo:


ending : tunay na magagalit sila. no commission. lol!
          

Basic Collection Technique - Fear

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Collectors' Lesson : TAKUTIN ANG MGA DEFAULTERS ( with lies)
                               THEY WILL LOSE THEIR COMMON SENSE.

Antidote                : simply dare their bluffs.






                                 PLEASE DON'T POST UNDER 'ANONYMOUS'

                                                 it is being tagged as 'SPAM' 

Visits ( again!)

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Defaulters are always apprehensive whenever collectors tell them they are scheduled for visit/ocular inspection.

Let me re-iterate again : NO BIG DEAL

1. it may or may not come.
2. when they visit, mag-deliver lang yan ng sulat. pirmahan mo na lang kahit left to right, sabay tapon.
3. paka-usap sa iyo sa cell-phone ang "supervisor" (daw). this is to intimidate you further.
    DON'T AGREE. it's not a crime anyway.
4. "ocular inspection"? nobody can enter your home without your permission. even the
    POLICE! (except kung may court order). beware. baka mag-nanakaw lang yan.
5. pahiyain ka? eskandalo? check mo blog post about " The Mistress and The Wife"

Remember, if they insist in talking to you about your utang, ask for the Bank Referral 
Code given to them and you as required by BSP Cir. 702 Series of 2010.

otherwise, ang visit magiging bwisit lang.
enjoy!
 

Reflections On 2015 Year-end EB

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You came in a paranoid.
Seeing you leaving the EB after with peace of mind.
Nothing consoles my spirit but the thought of having
made a difference in your life.
It was indeed worth it.


The Labyrinth

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Sarah Williams (Connelly) is a 15-year-old who loves reading -- and acting out -- fairy tales.

The movie opens with a scene of Sarah rehearsing lines from her book Labyrinth in a park. While trying to remember the final line of a speech in the book, she loses track of time, forgetting that she must babysit her infant half-brother, Toby.

fast forward

...He begins to cry; she remarks, "I wish the goblins would come and take you away...right now". Toby suddenly stops crying. Worried, Sarah enters his room, to find that Toby has vanished.

Jareth, the King of Goblins (Bowie) has taken the baby, gives her 13 hours in which to solve his great maze, called the Labyrinth, and find Toby. If she fails, Jareth will change him into a goblin and keep him forever.

The Labyrinth is not a simple maze; the pathways and openings in the walls of the maze change from time to time, and are riddled with logic-puzzles and tests.
Sarah went thru the maze,and once, Jareth attempting to keep her until the 13th hour by dancing with her. She breaks free of his spell and makes her way into the castle beyond the goblin city with barely enough time to spare.

The film climaxes in Jareth's final appeal for her to abandon her quest and stay with him. She defeats him by reciting her monologue from the beginning of the movie, including the until then forgotten final line:

"You have no power over me".

The room crumbles away, whereupon Sarah finds herself in the front hall of her home with the clock striking midnight and the barn owl (Jareth) flying away.Toby has returned home.

Sounds familiar?


courtesy of Wikipedia

Diskarte Forum

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Searching for answers?

1. View the different comments;
2. kung wala, go to the Blog Archives
3. kung wala pa rin, join us at the forum
4. kung wala parin, wala na po kami magawa.

SMILE!
then maybe you can  think better for solutions.

Year-end Questions and Wishes

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Wishing you a paranoia-free 2016


Banker and the blog team members
- sent from my Nokia 3210

Credit Information Corp.

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The Credit Information Corporation (CIC) is a government-owned and controlled corporation that is envisioned to be the leading provider of independent, reliable and accurate credit information in the Philippines.

It merely replaces CIBI na matagal na in existent.

So, no BIG deal. chill.

PRIDE

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Rule No. 1 - If you cannot pay, don't.

Collectors usually uses our pride to make you pay their commission.
"Ginamit mo naman yan!"
but are you really paying Juan and not Pedro?
accept the fact that you can no longer pay,
and then, move on!

Dear Blog Reader

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a) doon na lang tayo comment sa latest blog post.

b) wag "anonymous" ha?

c) doon lang ako mag-reply sa latest post if ever

d) thanks!

Calls - Again(?)

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Being pestered by callers?
"Ano plano ninyo"?
"..otherwise we will file a case"

Here are two suggested replies:

"According to my lawyer, sa court na
daw natin pag-usapan ito."

" Mahal ang abogado"
"Problema ko na yun!"

So, what else can they threaten you with?
You already called their bluff!

or:

"Sir/M'am", What we are discussing here,
can't you put that in writing, para formal
lahat?

Documents To Ask Collectors

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I. Collector's Personal Data

- 2 valid Identification Cards ( Company ID and Government-issued ID)
-  Authority To Perform Specific Acts as Collectors
- Approved Assignment of Accounts of the Collection Agency

II. Collection Agency

- Collection Arrangement between bank and Collection Agency.
-  Notarized Secretary's Certificate or Board Resolution of the bank :
    a. authorizing appointment of specific Collection Agency
    b. authorized signatory for the bank
- Copy of Bank Endorsement as required by BSP Cir. 702
- Collection Agency's Authorized Delegated  Compromise Terms,Conditions and Limitations
- Collection Agency's authorized signatory and specimen signatures

III. Statement of Account

- Latest and dated Statement of Account
- how much is owed  ( principal, interest, other charges, expenses etc.)
- Indicated applicable rates
- Indicated covering periods
- signed by authorized signatory of the bank

IV. FORMAL OFFER 
 - in writing
- duly signed by Collector

Family Guy Credit Card Debt song

Get Out Of Debt Free Pt.3.

2014 Christmas Message

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hi banker,planter and bloggers

...as promised here's what happened when i attended the hearing for civil case at makati trial court..scheduled at 8:30 am pero i arrived around 9:15
as i entered the court room on going na yung hearing daming tao so as a 1st timer ,
lumabas muna ako at nagmasid masid almost 30 cases pala ang dininig for 8:30am sched at
may sequence pala pang no. 12 ang case ko

bumalik ako sa loob at naginquire sa katabi ko no.20 na pala ang dinidinig ng hay nalagpasan
na pala yung case ko...lakas loob ako lumapit sa clerk of court na nasa tabi ng judge at
naginquire kasi late ako dumating at nadidinig na pala yung case ko at nagrender na ng
recommendation ang judge , mabuti mabait yung clerk pinagsign ako sa minutes ng
hearing at diniscuss sa akin na thejudge requested the citibank to submit original
signed application form ,charge slip and otherdocumentary evidence within 15
days before she render a decision.

dumating akong walang lawyer with me , tinuruan ako ng clerk tinuro sa akin yung
 mga abogado ngcitibank tabihan ko daw at kausapin kung interested daw akong
 magbayad ,but if not wag ko nalang daw lapitan at umuwi na lang daw ako hehe turo
 sa akin ng clerk...

out of curiosity , kinausap ko pa rin 3 lawyer ng citibank tapang ko hehe, di pa rin daw
ubra yung 500.00/mo. at kumuha na lang daw ako ng lawyer para in case may decide
yung judge ipare-open ko daw yung case kasi nasa 166k yung sinisingil nila sa akin..
sabi ko i do not acknowledge the 166k , i wanted to see first the original signed charge
slip so i can check if authentic signature ko yun talaga..nakakatawa lang sabi nya
sa akin ako daw ang magpresent ng original charge slip kasi may copy rin naman
daw ako non...sabi ko naman kayo po ang nagrereklamo so nasa inyo po yung
burden in presenting the evidence...

then after the session ends tinanong ako ng clerk kung anong nangyari sa usapan
namin ng citibank, nakakatuwa lang sabi ng clerk sa akin nasa sa akin daw kung kung
gusto ko magbayad or hindi ..once the judge decides in favor of the bank for
garnishment daw po lahat ng properties ko, bank deposit sabi ko hehe wala po ako
kahit isa sa nabanggit nyo ang meron lang ako is payroll account..sabi ni clerk eh di
hayaan mo na lang yung judge decision kung wala ka talagang ibabayad...


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May you find Christ in Christmas this year
- Blogger Team 

Bank Referral Code

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BSP Cir. 702 requires that banks should notify defaulters of their assigned collectors.
Due to rampant complaints, in the formal letter, the bank would normally include a
referral code for confirmation of authorized collectors.

Ask for it every time a collector calls or visits you.
If he cannot give you one, it means he is FAKE.
call the police - swindling yan!

Warning About Publishing Your Name

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